Licensed mortgage advisory · Licence No. 1660136
Licensed mortgage advisory · Licence No. 1660136
Mortgage services · Equity release
Equity Release in Dubai and the UAE
Equity release lets you borrow against the value of property you already own. The amount depends on valuation, income and bank limits.
Equity release
01
How equity release works
Equity release lets you borrow against the value of a property you already own, usually through a new or increased mortgage. The cash can fund your next purchase or investment without selling the property.
02
How much you can access
The amount depends on the property valuation, the bank’s loan-to-value limit and your monthly debt burden. Central Bank rules cap total debt payments at 50% of income.
03
Costs and risks
Equity release means a larger debt, higher monthly payments and your property as security. There can also be valuation, processing and early settlement costs. We show the monthly impact before you decide.
04
Common uses
Common uses include the deposit on another property, an investment or business funding. A second property is typically financed at up to 60% loan-to-value, so plan your deposit accordingly.
FAQ
Equity release questions, answered
It lets you borrow against the value in a property you own, usually through a new or increased mortgage.
It is limited by the bank’s loan-to-value cap and your debt burden ratio. The valuation decides the final figure.
Often yes. A second property is typically financed at up to 60% loan-to-value, so plan your deposit accordingly.
Possibly, through a top-up or by moving the mortgage to another bank. Early settlement costs may apply.
A larger debt, higher monthly payments and your property as security. We show you the monthly impact before you proceed.
Keep exploring
Related services and areas
Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.
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